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Please use this identifier to cite or link to this item:
http://hdl.handle.net/2451/14369
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| Title: | CASE STUDY OF ELECTRONIC BANKING AT MERIDIAN BANCORP |
| Authors: | Banker, Rajiv D.
Kauffman, Robert J. |
| Keywords: | case study
information technology
electronic banking
automated teller machines
management models |
| Issue Date: | Jun-1991 |
| Publisher: | Stern School of Business, New York University |
| Series/Report no.: | IS-91-14 |
| Abstract: | The paper illustrates âbusiness value linkage impact
analysisâ, a new method for measuring the business value of
information technology (IT), in the context of a case study of
electronic banking operations at Meridian Bancorp, a large commercial
bank. Management science models were constructed to gauge the impact of
automated teller machines (ATMs) on branch teller labour productivity
and retail deposit market share, and the potential for substitution of
labour by ATMs is shown. Econometric estimation of the models yielded
the following results: the efficiency of teller labour was found to
decline in the presence of a branch ATM; a bank's ATM network decision
was shown to be an important determinant of the relative size of the
retail deposit market it could capture in south-east Pennsylvania;
membership in the regionally dominant MAC ATM network leveraged retail
deposit market share when a clear majority of local branches and ATMs
were members of a regionally smaller, competing network: and
high-density ATM deployment did not lead to increases in the overall
size of the deposit market. |
| URI: | http://hdl.handle.net/2451/14369 |
| Appears in Collections: | IOMS: Information Systems Working Papers
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